<ARTICLE> 9
<CIK> 0000275119
<NAME> BAYLAKE CORP
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          10,460
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<INVESTMENTS-CARRYING>                          13,607
<INVESTMENTS-MARKET>                            14,012
<LOANS>                                        284,369
<ALLOWANCE>                                      3,431
<TOTAL-ASSETS>                                 424,498
<DEPOSITS>                                     358,197
<SHORT-TERM>                                    19,596
<LIABILITIES-OTHER>                              5,108
<LONG-TERM>                                        385
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,302
<OTHER-SE>                                      28,910
<TOTAL-LIABILITIES-AND-EQUITY>                 424,498
<INTEREST-LOAN>                                 18,920
<INTEREST-INVEST>                                4,340
<INTEREST-OTHER>                                     1
<INTEREST-TOTAL>                                23,261
<INTEREST-DEPOSIT>                               9,513
<INTEREST-EXPENSE>                              10,570
<INTEREST-INCOME-NET>                           12,691
<LOAN-LOSSES>                                      457
<SECURITIES-GAINS>                                  47
<EXPENSE-OTHER>                                  9,582
<INCOME-PRETAX>                                  5,293
<INCOME-PRE-EXTRAORDINARY>                       3,751
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,751
<EPS-PRIMARY>                                    $1.53
<EPS-DILUTED>                                    $1.53
<YIELD-ACTUAL>                                    8.45
<LOANS-NON>                                      1,010
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,801
<LOANS-PROBLEM>                                  3,856
<ALLOWANCE-OPEN>                                 2,893
<CHARGE-OFFS>                                       98
<RECOVERIES>                                       179
<ALLOWANCE-CLOSE>                                3,431
<ALLOWANCE-DOMESTIC>                             3,431
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0